https://www.boe.es/buscar/pdf/2023/BOE-A-2023-4513-consolidado.pdf
http://cdn.obr.uk/FSR-July-2018-1.pdf
https://www.mckinsey.com/business-functions/risk/our-insights/bringing-basel-iv-into-focus?cid=other-eml-alt-mip-mck-oth-1711
https://arxiv.org/pdf/2303.03371.pdf